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Tag Archive: bond vs fixed indexed annuity

Annuities as Bond Alternatives

Morgan Hill

For decades, a commonly cited rule of thumb for retirement portfolios has been the “rule of 100.”  It states that individuals should hold a percentage of stocks equal to 100 minus their age. So, for a typical 60-year-old, 40% of the portfolio should be equities and 60% of the portfolio should be held in conservative or otherwise fixed-rate investments; bonds, treasuries, CDs, etc. However, with the large majority of these safe investments pay out roughly 2%-4%, many investors are keeping their exposure to equities disproportionately...

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